I would like some advice on this please. Booked a holiday with a company in Greece : Dilos Holiday World and had to cancel due to mother in law going into hospital. Holiday insurance covers this providing there is no refund (unless you can advise otherwise). The company I booked said they would give a refund. (most of my money anyway). Well that was back in July and with countless e-mails and telephone calls promising a refund there has been all kinds of excuses. Not yet received a penny. I contacted my credit card company and apparantly there is a time limit so they cant help. I contacted Dilos asking them to say there will be no refund but they refuse to do this. I have checked this company via holiday truths and they do not have a very good history on refunding your money. Anyone got any ideas where I stand in getting my insurance company to pay up if this company continues to make excuses.

Following the last posting, thanks for the comment and yes I understand what you say but isn't fraud also a criminal offence and it is not the tp who will be out of pocket. I have been told Whiplash is a very difficult condition to prove one way or the other but is also an easy condition to say you are suffering from it. A similar situation also happened to my daughter 2 years ago, also with an ASIAN. I am not racist BUT its always these people you hear about doing this kind of stuff.

I just found this thread and would be interested to know the outcome because your story sounds similar to my wifes who also was involved with an ASIAN lady driver 2 weeks ago. Here is the message I just posted to another thread on this forum. My wife also hit the car in front about 2 weeks ago. She got out of the car as did the 3rd party and as there was no damage both exchanged details and both decided to leave. My wife had 2nd thoughts so she decided to take photos of the cars as we had a deposable camera in the glove box. Suddenly the third party got back into their car and miractulously got whiplash. Police were called as were paramedics and fire dept. They decided to take off 3rd party roof off to avaid 3rd further damage to neck until my wife said 3rd party had been out of car and actually taken a drink of water my wife offered. They then simply got her into the amblance and that was the last we heard until yesterday (Tuesday 8th 2007) a letter from 3rd party solicitors confirming claim for whiplash and they will be seeking medical advise. This is now ongoing so I am doing my best to photograph 3rd party going about daily routines with no problems. So it would be wise to not only photograph the incident but also everything around the scene including anyone in the location. I dont know how far insurance companies go to prove fraud but I think there is too much of this going on which is effecting not only our no claims but also our premiums.

I dont know how old this thread is as I have just registered but I thought I would do a bit of searching as I am also looking for some advice. My wife also hit the car in front about 2 weeks ago. She got out of the car as did the 3rd party and as there was no damage both exchanged details and both decided to leave. My wife had 2nd thoughts so she decided to take photos of the cars as we had a deposable camera in the glove box. Suddenly the third party got back into their car and miractulously got whiplash. Police were called as were paramedics and fire dept. They decided to take off 3rd party roof off to avaid 3rd further damage to neck until my wife said 3rd party had been out of car and actually taken a drink of water my wife offered. They then simply got her into the amblance and that was the last we heard until yesterday (Tuesday 8th 2007) a letter from 3rd party solicitors confirming claim for whiplash and they will be seeking medical advise. This is now ongoing so I am doing my best to photograph 3rd party going about daily routines with no problems. So it would be wise to not only photograph the incident but also everything around the scene including anyone in the location. I dont know how far insurance companies go to prove fraud but I think there is too much of this going on which is effecting not only our no claims but also our premiums.